Straight Answers
Frequently asked questions
Does it really cost nothing to work with you?
Yes. Insurance carriers pay agents, and the plan premiums are the same whether you enroll through me or on your own. You get a free, personal review and help with enrollment at no extra cost.
When can I change my Medicare plan?
Annual Enrollment runs October 15 through December 7, and changes take effect January 1. If you're turning 65, your Initial Enrollment Period is seven months long: three months before your birthday month, that month, and three months after. Certain life events also open Special Enrollment Periods. Call me and I'll tell you exactly which windows apply to you.
What's the difference between Medicare Advantage and Original Medicare?
Original Medicare (Parts A & B) is run by the government, and you can add a Supplement and a Part D drug plan. Medicare Advantage (Part C) plans are offered by private companies approved by Medicare and bundle hospital, medical, and usually drug coverage, often with extras like dental and vision. Advantage plans typically use provider networks. The right choice depends on your doctors, health, and budget.
Do I need to do anything if I'm happy with my plan?
Plans change every year, including premiums, drug lists, and doctor networks. Read your Annual Notice of Change and run through the 7-step checklist. A quick free review can confirm you're still in the best fit.
I'm a veteran with VA benefits. Do I need Medicare?
VA coverage pays when you use VA hospitals and doctors. Outside the VA, you may pay the full cost yourself, even in emergencies. Medicare covers you at nearly any provider nationwide, which matters most if you live far from a VA facility. Many veterans pair VA benefits with a Medicare Advantage plan to pick up dental, vision, hearing, and Part B giveback benefits.
Do I need Part D if I get prescriptions through the VA?
Having both lets you fill prescriptions from non-VA doctors at your local pharmacy and get medications the VA doesn't cover. If your income is under a certain level, you may qualify for Extra Help with drug costs.
Can we meet in person?
Absolutely. I offer in-person, phone, and video appointments Monday–Friday 9am–5pm, with weekends by appointment.
